FAQ Page
  • Q: What are your business hours? A: 8:30 a.m. to 5:30 p.m.  Monday thru Friday.

 

  • Q: What is your address? A: Our address is 434 Broad St., Gadsden, AL 35901. You can find a map to our location by clicking on our home page map link: http://kerrywilsoninsurance.com/contact/ . All of our contact information is listed at the bottom of this page.

 

 

  • Q: Can payments be set up to automatically pay via Credit / Debit Card, or Checking Account Draft:  A: Yes. Most of our companies offer Electronic Funds Transfer (EFT). However, some do not. If you wish to set your policy up to pay EFT, let us know. If your Company does not offer EFT service, we can re-write your policy with another Company that does offer EFT.

 

  • Q: What do I do if I have a Claim? A: Click HERE for a list of numbers to call to file a claim

 

  • Q: Does the color of the vehicle affect the price of insurance? A: No. Color is not a rating factor in calcualing auto insurance premium.  The rating factors are: Age, Sex, Marital Status, Number of Tickets & Accidents in the past 3 years, the Year – Make – Model – and Coverage Desired of the Vehicle. Discount factors include: Prior Insurance Transfer Discount, Homeowner Discount, Inspection Safe Vehicle (photos of the car) Discount, and many more.  Some people believe that red cars cost more to insure. That is false. It may be true that people who drive red cars pay a higher insurance premium, but that would be due to the fact that their red car had caught the eye of the State Trooper more often, and the driver had received more tickets. Thus, his / or her premium is higher due to the tickets.

 

  • Q: Why do I have to make my insurance payment the day before the expiration date of my policy? A: The Universal Expiration Time of most policies issued by most companies is 12:01 a.m.  That means for example that if your policy expires at 12:01 a.m. on December 25th, then you need to make your payment by 11:59 p.m. on December 24. Obviously, we aren’t open at 11:59 p.m., so that means that you need to make your payment on a business day (Monday – Friday), by close of business (5:30 p.m.) on a date prior to the expiration date of your policy, to avoid late fees, reinstatement fees, lapse of coverage, and the possibility of an uninsured accident.

 

  • Q: How long does a ticket or accident stay on my record? A: Tickets and accidents stay on your State of Alabama Motor Vehicle Report (MVR) for 5 years. Most insurance companies “rate” information contained on a MVR for 3 years.

 

  • Q: Are the points rated on my policy the same as the points on my license? A: The points (or rate up for tickets and accidents) for tickets rated on a policy are similar to the points charged against your license by the State. However, the State does not charge points for accidents against your license.  Minor moving violations generally are rated 1 point each. Major violations and accidents are generally rated 4 points each on your policy. Suspension periods vary by the number of points a driver accumulates in a given period:
    • 12 to 14 points in a two-year period: 60 days
    • 15 to 17 points in a two-year period: 90 days
    • 18 to 20 points in a two-year period: 120 days
    • 21 to 23 points in a two-year period: 180 days
    • 24 and more points in a two-year period: 365 days

    Think of Points from the DMV on your license as “Demerits”, while Points on your insurance policy are a “Percentage” of increased premium.